Free closing-document review
I got $0 back at my own closing.
The day before closing, I sat down with my Loan Estimate and Closing Disclosure and reviewed them line by line. Some numbers had shifted. My lender resolved it the same day. Now anyone can run the same review, free, in about 60 seconds.
Upload your LE and CD as PDFs · No signup · Your documents are not stored on our servers
The story
The day before closing, my numbers had shifted by ~$8,500
Hi, I'm Kenny. I've gone through closing on two homes now. The second one is the story.
Our lender sent the Closing Disclosure the day before closing, as federal TRID rules require. The cash-to-close number was about $8,500 higher than the Loan Estimate they'd sent us a month earlier. That's a meaningful jump and worth understanding before you sign.
I sat down with both documents, line by line, and figured out what had changed. The biggest item: state and county transfer taxes weren't reflected accurately on the original Loan Estimate. Under TRID, transfer taxes are a “zero tolerance” category, which means there's a clear federal rule for how differences get reconciled. I gave my lender a call and walked them through what I found.
They issued a $3,647.50 cure credit (the legally required portion) plus an additional $4,852.85 voluntary lender credit, for a total of $8,500.35 returned to us at closing. They were professional and quick about it. Most lenders are. The TRID three-day review window exists exactly so buyers can ask questions like this, and most buyers never use it.
That experience is why HomeBuyer Copilot exists. The review isn't hard, but it takes knowing what to look for, having the time to do it, and not feeling weird about asking informed questions during the most stressful 72 hours of the process.
How it works
60 seconds, three steps
Upload both PDFs
Your Loan Estimate (sent within 3 days of applying) and your Closing Disclosure (sent at least 3 business days before closing). Both as PDFs.
Get a side-by-side comparison
Every line item, every dollar that moved, categorized by TRID tolerance bucket. Plain English explanations of what each change means.
Walk through it with your lender
If anything needs clarification, you have a specific list of items to discuss with them. Most lenders are happy to explain or reconcile when you can show your work.
What the review covers
Every dollar that moved between your two documents
Tolerance categories
Lender fees, transfer taxes, and other zero-tolerance items where federal rules clearly define how any differences should be reconciled between your LE and CD.
Escrow estimates
Property tax and homeowners insurance estimates that often lowball the first year, leading to a payment shock in year two.
Fee shifts
Everything that moved (origination, processing, title, recording, courier, etc.) with plain-English notes on what each line means.
Lender credits
Promised credits that should appear on the CD. Sometimes they're applied differently than expected, or to the wrong line.
Most differences are normal and expected. The point isn't to accuse anyone, it's to know what changed and why, so you can sign with confidence or ask one good question before you do.
Closing soon? Take 60 seconds.
Free. No signup. Your PDFs are sent to the AI for analysis but never stored on our servers.
Free, always
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Documents not stored
Your PDFs are sent to the AI for analysis and discarded after. No human reads them.